Mphamvu ya ophandizira ndalama kwa okhomerera

M'zaka zaposachedwapa, milandu yakula pamene anthu samalipira misonkho kwa zaka, kulipira ngongole, kubwereka kubanki, mwachiwonekere sakufuna kuichotsa. Pamene zochitika zoterezi zikuchitika komanso pambuyo pa machenjezo ambiri omwe munthu amakana kuyankha chifukwa cha udindo wake, ntchito yapadera ya Federal Service of Bailiffs (FSSS) imalowa. Malingana ndi lamulo, iwo ali ndi ufulu wogwiritsa ntchito mphamvu muzochita zawo kuti akwaniritse zotsatira zoyenera. Mphamvu za operekera ndalama zimaphatikizidwa pa malamulo, chifukwa olakwira zoipa akukula chaka ndi chaka.

Malamulo omwe apangidwa kuti azitsatira ntchito za ochonderera

Kodi FSSP imalowa bwanji? Ngati, malinga ndi malamulo omwe alipo, munthu amapezeka kuti ali ndi mlandu wosabweza ngongole kapena kulephera kulipira misonkho, wapatsidwa ufulu wodandaula. Nthawi yomaliza yolembera ntchito ndi mwezi wa kalendala. Ngati panthawiyi wochimwayo sanasonyeze chikhumbo chopempha chigamulocho, zolemba za kuphedwa zimasamutsidwa ku FSSP.

Utumikiwu waperekedwa kwa masiku atatu kuti aganizire ndikulembetsa malemba. Pambuyo pake, opalamula amayamba kuchita. Amasiyana ndi osonkhanitsa kuti ufulu wawo ndi ntchito zawo zimayendetsedwa ndilamulo. Mphamvu za msilikali wothandizira ntchito zikulamulidwa ndi malamulo awiri: No. 118-FZ "Pa Bailiffs" ndi No. 229-FZ "On Enforcement Proceedings". Malamulo amenewa amapanga mwayi wochuluka wa otsogolera. Iwo ali ndi ufulu wogwiritsa ntchito zoletsedwa ndi lamulo.

Ndi ufulu wanji omwe okhometsa malipiro ali nawo?

Monga tanenera kale, cholinga chachikulu cha antchito otere ndicho kuchita zonse zofunika (mkati mwa lamulo) kuti munthu abwezere ngongole zake. Kaŵirikaŵiri zimachitika motero kuti wobwereketsa sangathe kulipira ngongole ya ndalama. Kenaka opepesa amafunsa mafunso onse omwe alipo kuti adziwe kuti mwiniwakeyo ndi ndani. Zambirizi sizingabisike, popeza FSSP ili ndi mauthenga onse oyenera. Mphamvu za okhomerera ndalama polemba ngongole ndi izi:

- ali ndi ufulu wolemba pempho ku mabanki onse kuti adziwe kuti wogulitsa ngongole ndi wofuna chithandizo (nthawi zambiri amaletsa makadi onse kuti awathetse ngongole);

- ntchito kwa abwana kuti mudziwe kuchuluka kwa malipiro;

- Pa masiku ogwira ntchito kuti mubwere kunyumba kuyambira 7 koloko mpaka 10 koloko masana (pakali pano ndibwino kuti musalepheretse wothandizira, posachedwa adzalandira chilolezo ndikugogoda pakhomo);

- kuchita zinthu ndi katundu, ndiko kumumanga, kugwira ndi kugwiritsa ntchito (mwachitsanzo, malo osankhidwa kuti azitengedwera ndi galimoto ya wobwereketsa).

Mosiyana ndi wokhometsa msonkho, wothandizira ndalama nthawi zonse amapempha chithandizo ndi thandizo la mabungwe ogwirira ntchito. Ngati sanaphwanye lamuloli, apolisi nthawi zonse adzakhala pambali pake. Monga taonera kale, mphamvu za ophandizira a Russian Federation zakhala zikuwonjezeka kwambiri, ndipo izi siziri zonse ufulu wawo.

Lembani kuchoka m'dzikoli

Anthu ena ngongole amayesa kuthawa kwa olowa ntchito, atapita kunja. Komabe, izi sizili zosavuta kuchita, popeza ophandizira ali ndi ufulu wotsutsa osalipira kuti achoke. Ndipo ndilamulo, palibe ufulu pa nkhaniyi. Mwinamwake munthu akufuna chabe kupita ku tchuthi kapena ku msonkhano wa bizinesi, koma, pokhala ndi ngongole, sangathe kuchita izi.

Bungwe la Federal Bailiff Service linati izi ndi imodzi mwa njira zothandiza kwambiri kuti munthu abwezere ngongole. Ngati wobweza ngongoleyo sakulipilira ngongole yake ndipo m'njira iliyonse yopewa kukambirana ndi wothandizira, adzakhala ndi tsogolo lotere. Palibe amene angamulole kuti apite kunja. Pali zochitika pamene munthu akufunikira kuchoka mwamsanga, koma chifukwa cha ngongole iye saloledwa kuchita izi. Ndege zina m'dzikolo zili ndi malire komwe mungathe kulipira ngongole zanu.

Komabe, ngakhale pambuyo polipira ngongole, sizingathenso kuthawa, chifukwa ndi koyenera kuti deta yolandirira ngongole ilowe mu federal database. Izi, ndithudi, zimatenga nthawi, nthawi zina zimatenga masabata atatu.

Okwanira ngongole sayenera kumasuka pa intaneti

Pakalipano, chirichonse chiri pakompyuta, ndipo popanda Webusaiti Yadziko Lonse sizingatheke kulingalira moyo wanu. Olemba mabanki amachitanso chimodzimodzi, ndipo kulamulira kwa ngongole kumapangidwanso pa intaneti, ngakhale pa malo ochezera a pa Intaneti. Osalipira ayenera kulingalira mosamala ngati kuli koyenera kuponya chithunzi ndi chotsatira chamtengo wapatali, monga ophandizira angabise pansi pa dzina lirilonse.

Tsopano makampani onse amalenga malo ovomerezeka, ndipo zonse zofunikira zitha kupezeka pamenepo. Kuphatikiza apo, osowa ndalama amagwiritsa ntchito opereka Intaneti. Zotsatira zake, zimapereka chidziwitso chokhudza aderese ya IP yomwe yalowa mu intaneti. Kuchokera pano mukhoza kupeza adiresi, kumene, mwinamwake, katundu wa wobwereketsa akusungidwa.

Kusintha kwa maganizo

Inde, palibe makhalidwe pano. Mphamvu za olowa ntchito sizimaletsa kugwiritsa ntchito njirayi. Okwanira akuuzidwa kuti kubwezera ngongole ndi chilango. Kawirikawiri opepesa amapereka chenjezo lotsiriza lomwe lingaliro limakhudza kwambiri ochimwa.

Pakalipano aphungu amathandizana ndi Tchalitchi cha Orthodox, ndiko kuti, malingaliro apangidwira kwa okhomerera pamtchalitchi. Ansembe adzaphunzitsa anthu, kukumbukira kuti kubwezera ngongole kumatengedwa kuba, ndipo ichi ndi tchimo.

Oimira a FSSP samakhulupirira kuti pali chinachake cholakwika mu mgwirizanowu. Ngati ndalama sizingabwerere, bankiyo imapereka ndalama zake. Zikuoneka kuti pali kuba kwa ndalama za banki, zomwe mpingo umatsutsa.

Zolinga za wothandizira

Poyambirira izo zinadziwika kuti ali ndi ufulu wanji. Ndipo kodi iye ayenera kuchita chiyani? Mphamvu za wothandizira ndalamazi zimafalikira, zomwe amafuna kuti zigwiritsidwe ntchito zoweruza zikhale zovomerezeka kwa mabungwe onse, mabungwe ndi nzika. Wothandizira ndalama yekha, makamaka, akuyenera:

- Kutenga zofunikira zonse zomwe zidalembedwa m'kalata yowonongeka kuti pakhale nthawi yoweruza milandu;

- apatseni ufulu wodziwa zinthu zolemba za kuphedwa, kupanga mapepala, kulemba chinachake;

- ganizirani zonse zomwe maphwando akufunsapo ponena za kuchitapo kanthu, komanso kufotokozera ndondomeko ndi ndondomeko yoyenera;

- asiye kuvomerezedwa ngati ali munthu wachidwi kapena pali zina zomwe zimakayikira kuti alibe tsankhu.

Limbikitsani osogoleri

Ngati wogulitsa ngongoleyo wapereka ngongoleyo, ndalama zake zimadalira mwachindunji. Mu Federal Law "On Enforcement Proceedings," mfundo zotsatirazi ndizokhazikitsidwa: mphotho imaperekedwa kuti ntchitoyi ikhale yogwira ntchito kwa wothandizira.

Izi zikutanthauza kuti ngati wogwira ntchitoyo akubwezera ngongole yake pamalopo, amalandila 5 peresenti ya katunduyo. Komabe, ndalama zomwe msilikaliyo amalandira sizidzapitirira malipiro khumi. Ngati msilikali wothandizira ntchitoyo adagonjetsa gawoli chifukwa cha zifukwa zosapitirira malire ake, malipiro ake adzalandiridwa malinga ndi ndalama zomwe anasonkhanitsidwa.

Kodi kutaya khalidwe kumachita chiyani pambuyo poti chigamulochi chikugwiritsidwa ntchito?

Pambuyo pa mgwirizanowu, wogwira ntchitoyo adzatumizira kopereka kwa wobwereketsa. Mu chikalata ichi zofunikira ndi kuchuluka kwa ngongole zidzasonyezedwe. Pakadutsa masiku asanu wobwereketsa amatha kudzipereka yekha ku banki ndikulipira ngongole zonse. Komabe, ngati palibe zotheka, msilikaliyo adzabwera kunyumba kwake mkati mwa miyezi iwiri. Mphamvu za operekera ndalama siziphatikizapo chenjezo lokhudza ulendo wawo.

Wothandizira ndalama ayenera kuvala yunifolomu wapadera, atenge zikalata zovomerezeka. Pamene wothandizira usilikali amabwera kunyumba kwa wobwereketsa, ndiye wachiwiriyo ayenera kuchita bwino, osati mwakachetechete. Pambuyo pa zonse, kuwonjezera pa zotsatira za kayendetsedwe ka kayendetsedwe kabwino, wogulitsa ngongole akhoza kutenga milandu ya chigamulo chifukwa chodzudzula woimira mphamvu.

Tiyenera kukumbukira kuti omwe alibe malipiro omwe ali okonzeka kuyankhulana bwino ndi wothandizira ndalama angathe kulandira kubwezera kubweza ngongoleyo. Kuti muchite izi, muyenera kulemba kalata ku khothi, ndipo ngati matupi olamulira sakuganizira, idzakhala pambali ya wobwereka. Panthawi yomwe abwekhwe akubwezeretsanso mphamvu zawo, omwe alibe ngongole sakuphatikizidwa. Inde, pali zochitika pamene wobwereketsa akudziwa kuti sangathe kulipira ngongoleyo. Ndiye ndikofunikira kukonzekera kuti katundu adzasonkhanitsidwa kapena kulandidwa.

Kuchulukitsidwa kwa ulamuliro ndi opepesa

Obweta ali, poyamba, anthu, ndipo apa pali chinthu chaumunthu. Ena mwa omwe akuwathandiza amatha kukumana ndi omwe akuposa mphamvu zawo. Komabe, malamulo amasiku ano amavomereza pafupifupi chirichonse. Akatswiri ambiri amakamba za zofunikira kwambiri m'malamulo a dzikoli, monga, malinga ndi Malamulo ndi malamulo ena, palibe amene ali ndi ufulu woyendera nyumba ya munthu wina popanda chilolezo cha anthu okhala kumeneko.

Komabe, Boma la Federal Court of Baylivers, omwe mphamvu zawo ndi zazikulu, zimadzipangitsa okha kukhala opanda mphamvu kwa antchito awo. Pachifukwa ichi, wobwereketsayo ali ndi ufulu woweruza chifukwa choposa ulamuliro wa omwe akuwathandiza. Komanso, tsopano mukhoza kudandaula pa webusaiti, kutumiza kalata ku phwando la intaneti.

Kutsiliza

FSSP ndi thupi lofunika kwambiri lomwe limathandiza boma pakugwira ngongole ndi olakwira. Popanda utumiki umenewu, padzakhala khalidwe lodziletsa, ndipo palibe amene angapereke misonkho podziwa kuti sipadzakhala chilango. Lamuloli limapereka kugwiritsa ntchito mphamvu zotsutsana ndi ngongole ndi opepesa. Wina amaganiza kuti izi ndi zoona, koma wina ndi wachiwerewere.

Komabe, onse amavomereza kuti mphamvu za operekera ndalama zimayenera kuchepetsedwa pang'ono. Komabe, zimakhala zovuta tsopano kupeza mzere pakati pa lamulo ndi kukangana.